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Surround yourself with positive financial like-minded people

Updated on November 22, 2011
I listen to Clark Howard!
I listen to Clark Howard! | Source

Align yourself with those who care

You can choose your friends, but not your coworkers or family. Well, you can choose to surround yourself with people in your life that influence your in a positive way financially.

Osmosis? Maybe.

This Hub will explain how to align yourself with those who care about saving money and are good for your wallet. I will also introduce you to Clark Howard, and if you already know about Clark, you are already on the path of being like-minded!

Friends who spend

For example, if your best friend has a lot of credit card debt, and likes to eat out every weekend at expensive restaurants, you will most likely have to spend a lot as well when you socialize with them. Unless you only order water and a small cup of soup – and ask for separate checks – you will probably spend more than you would like.

I listen to Clark Howard and Dave Ramsey – each radio host influences my financial decisions in a positive way. Listeners who call and explain the way they save money, pay off debt, and live frugally, influence me by supporting my beliefs. Moreover, I thrive on learning from others and learning how to continue to be a better person financially.

Going broke?
Going broke? | Source

Tips to recognize bad financial traits of good friends

You may have a best friend, coworker, family member who you love dearly and think the world of; however, they lack any financial savviness.

I am not suggesting you end your relationships. Here are some tips to spot these traits - so you can protect yourself from bad influences - when handling money.

  • They are constantly complaining they are broke.
  • They ask you to pick up a tab, or borrow money, from time to time.
  • They have a high amount of credit card debt, and still continue to spend what they do not have.
  • They constantly show you their new "toys" and add "I can barely afford this, but isn't it great?"


Before you lend money...

If you want to help a friend or family member, do not lend them money. If they are struggling financially - instead of loaning them money which may lead to strains in your relationship - point them in the right direction.

  • Suggest they listen to Clark Howard and/or Dave Ramsey on their local radion station or online.
  • You can also suggest they take out library books on saving money and living frugally.
  • Of course, suggest they search HubPages under the "Personal Finance" category, and find subcategories that contain great Hubs on "Frugal living", "Saving tips", and "Understanding finance".

Do you have financial savvy people in your life who influence you in a positive way?

See results

Please vote in my Poll

I want to know how you feel. Please vote in my poll to provide feedback to others. Am I alone in thinking some of my friend spend too much?

Is is hard to say "no" when I am asked to go out to an expensive restaurant?

When can I find positive financial influences in my community?

There are many options to surround yourself with like-minded people who support your financial goals and frugal mindset.

  1. Frugal classes - Attend a Coupon Class/Course at your local church.
  2. Volunteer - To help Seniors with their taxes. Surround yourself with financial tax experts or accountants who may also be volunteering.
  3. Listen to Clark Howard - Per "About Clark" on his website Clark Howard is a Radio and TV consumer advocate who shows you how to save more, spend less and avoid getting ripped off. To quote Clark, "Think of the freedom that comes with not owing anyone any dough!"
  4. Financial tips from your older relatives - Really listen to your depression-aged older relatives talk about the financial struggles they faced during the depression, and financial survival tips.

Check all prices when grocery shopping.
Check all prices when grocery shopping. | Source

Click *here* to join HubPages now!

(it’s free, easy, and you can make money too!)! Related Hubs I wrote to help you save money:


Do not loose track of your financial goals. Teach your friends, coworkers, and family tips on saving money, how to shop around for the best price, set financial goals, pay off debt, and how to use coupons.

If they do not want to listen or care, still be yourself. You need to strive towards having a better life and security for you and your family. Right? Remember to save 3-6 months of savings for your emergency fund, live frugally until you reach your goals, and strive towards financial security - security that we all must set our sights on.

It is so exciting to bring a spendaholic friend to a garage sale and watch then find a great bargain for a quarter!

Do not loose ambitious, dream, yearn, and have fun in the process.

© Copyright 2011 - MarloByDesign.


Please leave me a comment!

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    • Beata Stasak profile image

      Beata Stasak 6 years ago from Western Australia

      Very important hub in our time and age:)

    • MarloByDesign profile image

      MarloByDesign 6 years ago from United States

      KeithTax - I understand your comment and still think it is important to teach those who are less educated (if they do not constantly influence you in negative ways financially). Hally Z, I agree!

    • Hally Z. profile image

      Hally Z. 6 years ago from Madison, Wisconsin

      A rather unexpected topic, but good call! Yes, I certainly wish a lot of my friends were more financially savvy.

    • KeithTax profile image

      Keith Schroeder 6 years ago from Wisconsin

      Powerful hub. Birds of a feather. Wealthy people socialize with wealthy people. It is rare for employees and management to sit at the same table outside labor negociations.

    • MarloByDesign profile image

      MarloByDesign 6 years ago from United States

      Jlava73 and yols-a, thank you very much!

    • yols-a profile image

      yols-a 6 years ago from Trinidad and Tobago

      Great work and great layout

    • Jlava73 profile image

      Jennifer Vasconcelos 6 years ago from Cyberspace and My Own World

      I've heard it said " You become like those you surround yourself with" Guess there is some merit to that. Nice article!

    • nicregi profile image

      Reginald Chan 6 years ago from Malaysia

      You are most welcome. You deserved it :)

    • MarloByDesign profile image

      MarloByDesign 6 years ago from United States

      nicregi, thanks for your kind words and thank you for voting.

    • nicregi profile image

      Reginald Chan 6 years ago from Malaysia

      Nice hub there. I am going to vote as interesting.

      Very good and inspirational hub and I love the capsules placing. Thanks for sharing!